eprintid: 140998 rev_number: 49 eprint_status: archive userid: 219226 dir: disk0/00/14/09/98 datestamp: 2025-11-06 08:03:00 lastmod: 2025-11-06 08:03:00 status_changed: 2025-11-06 08:03:00 type: thesis succeeds: 140520 metadata_visibility: show creators_name: Darin Hanif Pratama Putra, - creators_name: Aas Nurasyiah, - creators_name: Rumaisah Azizah Al Adawiyah, - creators_nim: NIM2104261 creators_nim: NIDN0007068404 creators_nim: NIDN0024059401 creators_id: darinhanif@upi.edu creators_id: asnur.fna@upi.edu creators_id: rumaisah.azizah@upi.edu contributors_type: http://www.loc.gov/loc.terms/relators/THS contributors_type: http://www.loc.gov/loc.terms/relators/THS contributors_name: Aas Nurasyiah, - contributors_name: Rumaisah Azizah Al Adawiyah, - contributors_nidn: NIDN0007068404 contributors_nidn: NIDN0024059401 contributors_id: asnur.fna@upi.edu contributors_id: rumaisah.azizah@upi.edu title: KEENGGANAN MAHASISWA MUSLIM MENGGUNAKAN REKENING BANK SYARIAH: Studi Kasus Pada Bank Syariah Indonesia ispublished: pub subjects: BP subjects: HG subjects: HJ subjects: L1 divisions: IEKI full_text_status: restricted keywords: Bank Syariah Indonesia, UTAUT2, Literasi Keuangan Syariah, Mahasiswa Muslim. Bank Syariah Indonesia, UTAUT2, Islamic Financial Literacy, Muslim Students. note: https://scholar.google.com/citations?hl=en&user=5YHjpDkAAAAJ&view_op=list_works ID SINTA Dosen Pembimbing: Aas Nurasyiah: 5994697 Rumaisah Azizah Al Adawiyah: 6722046 abstract: Perbankan syariah hadir sebagai alternatif sistem keuangan yang sesuai dengan prinsip-prinsip Islam dan diharapkan menjadi pilihan utama bagi masyarakat Muslim, termasuk mahasiswa. Namun, dalam praktiknya, tingkat adopsi layanan bank syariah di kalangan mahasiswa Muslim masih tergolong rendah, termasuk dalam hal penggunaan rekening di Bank Syariah Indonesia (BSI) yang merupakan bank syariah terbesar di Indonesia. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang menyebabkan keengganan mahasiswa Muslim menggunakan rekening bank syariah, dengan menggunakan kerangka teori Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) dan konsep literasi keuangan syariah. Pendekatan yang dilakukan adalah kuantitatif dengan desain deskriptif kausalitas. Subjek dalam penelitian ini adalah mahasiswa Muslim yang enggan menggunakan Bank Syariah Indonesia. Teknik analisis data yang digunakan adalah analisis regresi linier berganda dengan menggunakan perangkat lunak SPSS. Data primer yang dikumpulkan dengan metode non-probability sampling dengan melibatkan 243 responden. Penelitian deskriptif menunjukkan bahwa performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, habit, literasi keuangan syariah dan keengganan menggunakan bank syariah berada pada kategori tinggi. Kemudian hasil analisis regresi linear berganda menunjukkan bahwa effort expectancy, social influence, facilitating conditions, hedonic motivation, habit, dan literasi keuangan syariah terbukti memiliki pengaruh signifikan terhadap keengganan menggunakan bank syariah. Sedangkan performance expectancy tidak menunjukkan pengaruh signifikan terhadap keengganan menggunakan bank syariah. Penelitian ini diharapkan memberikan pemahaman pentingnya peningkatan literasi keuangan syariah dan penguatan personalisasi layanan untuk mendorong partisipasi mahasiswa dalam menggunakan layanan perbankan syariah. Sharia banking is an alternative financial system that complies with Islamic principles and is expected to be the primary choice for Muslims, including students. However, in practice, the adoption rate of sharia banking services among Muslim students is still relatively low, including the use of accounts at Bank Syariah Indonesia (BSI), which is the largest sharia bank in Indonesia. This study aims to identify the factors causing Muslim students' reluctance to use Islamic bank accounts, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) theoretical framework and the concept of Islamic financial literacy. The approach used is quantitative with a descriptive causal design. The subjects of this study are Muslim students who are reluctant to use Bank Syariah Indonesia. The data analysis technique used was multiple linear regression analysis using SPSS software. Primary data was collected using non-probability sampling involving 243 respondents. Descriptive analysis showed that performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, habit, Islamic financial literacy, and relutance to use Islamic Bank were in the high category. The results of the multiple linear regression analysis showed that effort expectancy, social influence, facilitating conditions, hedonic motivation, habit, and Islamic financial literacy were found to have a significant influence on students' intentions. Meanwhile, performance expectancy did not show a significant influence on relutance to use Islamic Bank. This study is expected to provide an understanding of the importance of improving Islamic financial literacy and strengthening perceptions of the personalization of services to encourage student participation in using Islamic banking services. date: 2025-08-22 date_type: published institution: Universitas Pendidikan Indonesia department: KODEPRODI60204#Ilmu_Ekonomi_dan_Keuangan_Islam_S1 thesis_type: other thesis_name: other official_url: https://repository.upi.edu/ related_url_url: https://perpustakaan.upi.edu/ related_url_type: org citation: Darin Hanif Pratama Putra, - and Aas Nurasyiah, - and Rumaisah Azizah Al Adawiyah, - (2025) KEENGGANAN MAHASISWA MUSLIM MENGGUNAKAN REKENING BANK SYARIAH: Studi Kasus Pada Bank Syariah Indonesia. S1 thesis, Universitas Pendidikan Indonesia. document_url: http://repository.upi.edu/140998/8/S_EKI_2104261_Title.pdf document_url: http://repository.upi.edu/140998/2/S_EKI_2104261_Chapter1.pdf document_url: http://repository.upi.edu/140998/5/S_EKI_2104261_Chapter2.pdf document_url: http://repository.upi.edu/140998/6/S_EKI_2104261_Chapter3.pdf document_url: http://repository.upi.edu/140998/3/S_EKI_2104261_Chapter4.pdf document_url: http://repository.upi.edu/140998/4/S_EKI_2104261_Chapter5.pdf document_url: http://repository.upi.edu/140998/7/S_EKI_2104261_Appendix.pdf